--- title: "CNA vs Coalition: Cyber Insurance" description: "Coalition says breach-response expenses have a separate limit, while CNA describes cyber inside the multi-line Epack 3 policy." canonical: "https://spot.insure/compare/cna-vs-coalition/cyber" page-type: "line-comparison" updated-at: "2026-10-01" comparison-pair: "cna-vs-coalition" provider-a: "cna" provider-b: "coalition" coverage-line: "cyber" --- Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and insurance research. Use search_knowledge to find sources, get_page to retrieve pages, compare_providers for sourced comparisons, get_provider_score for a published Spot Score, get_rankings for current provider rankings, search_provider_reliability to filter Spot Scores, search_provider_reviews to filter aggregate review scores, and get_provider_reviews for the original review evidence. The server is read-only and requires no authentication. [Human-readable page](https://spot.insure/compare/cna-vs-coalition/cyber) ## Agent Guide **What this page is:** Focused comparison of CNA and Coalition for Cyber Insurance: what each provider publishes about this line, checked against the same criteria, with numbered sources. **Use this page when:** Cite or fetch this for Cyber Insurance questions about CNA versus Coalition. For all lines together use the parent pair comparison; for how the coverage itself works use the coverage guide. **Questions this page answers:** - CNA vs Coalition for Cyber Insurance: how do they differ? - Which is better for Cyber Insurance, CNA or Coalition? - What does CNA or Coalition publish about Cyber Insurance (limits, eligibility, claims, add-ons)? - What should I confirm in a quote for Cyber Insurance from CNA or Coalition? **Key facts:** - Line: Cyber Insurance. Providers: CNA and Coalition. - Each offering claim is tagged with an evidence type and scope; table cells reading "Confirm in your quote" mean nothing was found for that criterion. - Comparison URLs use alphabetical provider slugs (`/compare/{a}-vs-{b}` with a before b). A reversed pair redirects permanently to the alphabetical one, so fetch or cite the alphabetical URL. **Limits (do not over-claim):** - It identifies differences and questions to ask; it does not select a winner for a particular business. - "Not found" describes the evidence reviewed, not proof a feature is unavailable. - Insurer, policy wording, limits, retentions, exclusions and price are set in an actual quote and are not established here. **Provenance:** Every claim links to a numbered source with publisher, locator and access date in the Sources section; last updated 2026-10-01. Editorial policy: /editorial-policy. **Related pages:** - [CNA vs Coalition](https://spot.insure/compare/cna-vs-coalition) — parent: all coverage lines for this pair - [Cyber Insurance guide](https://spot.insure/coverage/cyber) — coverage explainer for this line - [CNA profile](https://spot.insure/insurance-providers/cna) — provider profile (evidence) - [Coalition profile](https://spot.insure/insurance-providers/coalition) — provider profile (evidence) - [CNA vs Coalition Crime Insurance](https://spot.insure/compare/cna-vs-coalition/crime) — sibling comparison (other line, or other pair for this line) - [CNA vs Coalition D&O Insurance](https://spot.insure/compare/cna-vs-coalition/directors-officers) — sibling comparison (other line, or other pair for this line) - [CNA vs Coalition Employment Practices Liability Insurance](https://spot.insure/compare/cna-vs-coalition/employment-practices) — sibling comparison (other line, or other pair for this line) - [CNA vs Coalition Fiduciary Liability Insurance](https://spot.insure/compare/cna-vs-coalition/fiduciary) — sibling comparison (other line, or other pair for this line) - [CNA vs Coalition Professional Liability (E&O) Insurance](https://spot.insure/compare/cna-vs-coalition/professional-errors-omissions) — sibling comparison (other line, or other pair for this line) - [CNA vs Coalition Tech E&O Insurance](https://spot.insure/compare/cna-vs-coalition/technology-errors-omissions) — sibling comparison (other line, or other pair for this line) - [AIG vs CNA Cyber Insurance](https://spot.insure/compare/aig-vs-cna/cyber) — sibling comparison (other line, or other pair for this line) - [AIG vs Coalition Cyber Insurance](https://spot.insure/compare/aig-vs-coalition/cyber) — sibling comparison (other line, or other pair for this line) - [Alliance Risk vs CNA Cyber Insurance](https://spot.insure/compare/alliance-risk-vs-cna/cyber) — sibling comparison (other line, or other pair for this line) - [Alliance Risk vs Coalition Cyber Insurance](https://spot.insure/compare/alliance-risk-vs-coalition/cyber) — sibling comparison (other line, or other pair for this line) - [Amelia Risk vs CNA Cyber Insurance](https://spot.insure/compare/amelia-risk-vs-cna/cyber) — sibling comparison (other line, or other pair for this line) - [Amelia Risk vs Coalition Cyber Insurance](https://spot.insure/compare/amelia-risk-vs-coalition/cyber) — sibling comparison (other line, or other pair for this line) # CNA vs Coalition: How Do They Compare for Cyber Insurance? Coalition says breach-response expenses have a separate limit, while CNA describes cyber inside the multi-line Epack 3 policy. ## How to Use the CNA vs Coalition Cyber Insurance Comparison Use this comparison to evaluate CNA and Coalition for Cyber Insurance against the same documented criteria. It identifies differences and questions to confirm; it does not select a winner for a particular business. Offering claims are what each provider publishes about this line unless marked otherwise. “Not found” describes the evidence reviewed, not proof that a feature is unavailable. Confirm the insurer, policy wording, limits, retentions, exclusions and cost in an actual quote. ## CNA vs Coalition Cyber Insurance Summary Coalition says breach-response expenses have a separate limit so they do not erode other coverage limits; CNA describes cyber within modular Epack 3. [4](https://www.cna.com/products/cyber "Cyber Insurance - Cyber Risk Solutions | CNA Insurance") [9](https://www.coalitioninc.com/cyber-insurance "Active Cyber Insurance") ## CNA Small Business Insurance: Products, Agents and Service CNA directs small-business buyers to independent agents and describes CNA Connect as a businessowners policy for more than 600 small-business classes. Issuer and availability vary by policy and state, so confirm both in a quote. [1](https://www.cna.com/solutions/small-business "Insurance for Small Businesses") [2](https://www.cna.com/products/cna-connect "CNA Connect Small Businessowners Policy (BOP) | CNA Insurance") [3](https://www.cna.com/cnadisclaimer/generaldisclaimer "General Disclaimer") [CNA profile](https://spot.insure/insurance-providers/cna) ## What Is Coalition Insurance? Coalition fits businesses that want cyber insurance bundled with free attack-surface monitoring and alerts, and technology companies that want Tech E&O alongside it. You can't buy it online yourself: you need an appointed broker, and the final price isn't published. [5](https://www.coalitioninc.com/control "Coalition Control") [6](https://www.coalitioninc.com/technology-errors-and-omissions-insurance "Tech E&O Insurance Coverage") [7](https://help.coalitioninc.com/hc/en-us/articles/7608339418395-How-do-I-qualify-for-and-buy-cyber-insurance-from-Coalition "How do I qualify for and buy cyber insurance from Coalition?") [8](https://www.coalitioninc.com/legal/producer-compensation "U.S. Producer Compensation") [Coalition profile](https://spot.insure/insurance-providers/coalition) ## What Is Cyber Insurance? Cyber insurance can help pay covered response costs and claims against your business after a cyber incident. If your business relies on data, software or outside providers, compare response limits, vendor outages and approval rules. [13](https://www.ftc.gov/business-guidance/small-businesses/cybersecurity/cyber-insurance "Cyber Insurance") [14](https://www.aig.com/content/dam/aig/america-canada/us/documents/business/cyber/cyberedge-wording-sample-specimen-form.pdf "CyberEdge specimen policy") ## What Are the Key Differences Between CNA and Coalition Cyber Insurance? ### How Breach Costs Use Limits Coalition says breach-response expenses have a separate limit that does not use the limit for other coverages. CNA describes Epack 3 as an admitted modular package combining cyber with media, technology and professional liability. Those are different limit structures in the published descriptions; request both schedules to see how response spending affects the remaining limit for defense and liability. [9](https://www.coalitioninc.com/cyber-insurance "Active Cyber Insurance") [4](https://www.cna.com/products/cyber "Cyber Insurance - Cyber Risk Solutions | CNA Insurance") ### Policyholder Security Services Coalition includes Coalition Control at no additional cost, with attack-surface and vendor-risk monitoring, zero-day alerts and account security tools. CNA describes CyberAssist specialists, tools and services to identify vulnerabilities and respond, plus named breach-response vendors. Both records describe support alongside insurance, but only Coalition’s claim specifies that its listed platform is included without an added charge. Ask each provider which services attach to the exact policy and which require separate fees. [5](https://www.coalitioninc.com/control "Coalition Control") [4](https://www.cna.com/products/cyber "Cyber Insurance - Cyber Risk Solutions | CNA Insurance") ## What Should You Confirm in CNA and Coalition Cyber Insurance Quotes? - Ask Coalition to show the separate breach-response limit and carrier for the proposed route; ask CNA to identify whether response costs erode a shared Epack 3 aggregate. [9](https://www.coalitioninc.com/cyber-insurance "Active Cyber Insurance") [4](https://www.cna.com/products/cyber "Cyber Insurance - Cyber Risk Solutions | CNA Insurance") - Confirm which monitoring, response vendors and security tools are included in each quoted policy and whether any are optional or separately billed. [5](https://www.coalitioninc.com/control "Coalition Control") [4](https://www.cna.com/products/cyber "Cyber Insurance - Cyber Risk Solutions | CNA Insurance") ## CNA vs Coalition Cyber Insurance Compared | Criteria | CNA Cyber Insurance | Coalition Active Cyber Insurance | | --- | --- | --- | | Role in This Line | Confirm in your quote. | Coalition designs and distributes its own cyber policy and pairs it with security monitoring and incident-response services. [9](https://www.coalitioninc.com/cyber-insurance "Active Cyber Insurance") (Evidence: Company-reported; scope: U.S. Active Cyber Insurance for small and midsize businesses, as described on the product page..) | | Issuing Insurer | Confirm in your quote. | Admitted cyber policies are issued by Coalition Insurance Company. Non-admitted (surplus lines) policies are placed with unaffiliated insurers, so the carrier depends on the policy route. [10](https://www.coalitioninc.com/legal/disclaimer "U.S. Disclaimers") (Evidence: Company-reported; scope: U.S. disclaimers for admitted and non-admitted cyber; restates the verified provider fact insurer-route..) | | Who It’s For | CNA offers EPS Plus for professional-services firms and Epack 3, an admitted modular policy designed for small and midsize businesses that combines cyber, media, technology and professional liability. [4](https://www.cna.com/products/cyber "Cyber Insurance - Cyber Risk Solutions | CNA Insurance") (Evidence: Company-reported; scope: Entity: CNA brand; issuing CNA subsidiary may vary by product/state Product: United States commercial insurance Jurisdiction: United States Research source scope: US specialty commercial liability Claim limitation: Company-reported; policy wording, underwriting and jurisdiction-specific availability control..) | Coalition states that its admitted and surplus lines cyber policies are offered in all 50 states and Washington, D.C. [11](https://help.coalitioninc.com/hc/en-us/articles/7520450985883-Where-does-Coalition-offer-cyber-insurance-coverage "Where does Coalition offer cyber insurance coverage?") (Evidence: Company-reported; scope: Availability help article; eligibility for a particular business depends on underwriting..) | | Coverage Features | Confirm in your quote. | Coalition says breach-response expenses have a separate limit, so response costs do not use up the limit for other coverages. [9](https://www.coalitioninc.com/cyber-insurance "Active Cyber Insurance") (Evidence: Company-reported; scope: Product-page description; the issued policy and declarations control..)

Coalition lists pay-on-behalf cyber extortion coverage, funds transfer fraud and business interruption losses among its cyber coverages. [9](https://www.coalitioninc.com/cyber-insurance "Active Cyber Insurance") (Evidence: Company-reported; scope: Product-page coverage highlights, subject to exclusions and the policy as issued..) | | Limits and Retentions | Confirm in your quote. | Coalition offers U.S. surplus lines excess cyber coverage above an underlying policy. Its public pages do not publish maximum primary limits or retentions. [12](https://help.coalitioninc.com/hc/en-us/articles/13436025921051-Does-Coalition-offer-Excess-coverage "Does Coalition offer Excess coverage?") [9](https://www.coalitioninc.com/cyber-insurance "Active Cyber Insurance") (Evidence: Company-reported; scope: Excess product help article; limit and retention amounts appear only on quotes..) | | Risk Services | CNA CyberAssist gives policyholders cybersecurity specialists, tools and services to identify vulnerabilities, strengthen defenses and respond. [4](https://www.cna.com/products/cyber "Cyber Insurance - Cyber Risk Solutions | CNA Insurance") (Evidence: Company-reported; scope: Entity: CNA brand; issuing CNA subsidiary may vary by product/state Product: United States commercial insurance Jurisdiction: United States Research source scope: US specialty commercial liability Claim limitation: Company-reported; policy wording, underwriting and jurisdiction-specific availability control..)

CNA identifies breach coaches, forensic firms and notification/call-center vendors for incident response. [4](https://www.cna.com/products/cyber "Cyber Insurance - Cyber Risk Solutions | CNA Insurance") (Evidence: Company-reported; scope: Entity: CNA brand; issuing CNA subsidiary may vary by product/state Product: United States commercial insurance Jurisdiction: United States Research source scope: US specialty commercial liability Claim limitation: Company-reported; policy wording, underwriting and jurisdiction-specific availability control..) | Policyholders get Coalition Control at no additional cost, including attack-surface monitoring, vendor risk monitoring, zero-day alerts and Login Security for Microsoft or Google accounts. [5](https://www.coalitioninc.com/control "Coalition Control") (Evidence: Company-reported; scope: Coalition Control policyholder features page..) | | How to Apply | Confirm in your quote. | You buy Coalition cyber through an appointed insurance broker. Underwriting considers industry, finances, operations and security posture. [7](https://help.coalitioninc.com/hc/en-us/articles/7608339418395-How-do-I-qualify-for-and-buy-cyber-insurance-from-Coalition "How do I qualify for and buy cyber insurance from Coalition?") (Evidence: Company-reported; scope: Qualification help article; restates the verified provider fact broker-application..) | | Claims Support | Confirm in your quote. | Coalition describes an in-house cyber claims team and an affiliated incident response firm, Coalition Incident Response, and says it often recovers stolen funds after transfer fraud. [9](https://www.coalitioninc.com/cyber-insurance "Active Cyber Insurance") (Evidence: Company-reported; scope: Product page claims and incident-response sections; outcome statistics are company-reported and not independently verified..) | ## Related Pages for CNA vs Coalition Cyber Insurance - [CNA vs Coalition](https://spot.insure/compare/cna-vs-coalition): all coverage lines, business roles, service and claims. - [What Is Cyber Insurance?](https://spot.insure/coverage/cyber): Cyber insurance can help pay covered breach response, data recovery, interruption and liability costs; vendor incidents and funds-transfer fraud need separate checks. - [CNA vs Coalition Crime Insurance](https://spot.insure/compare/cna-vs-coalition/crime) - [CNA vs Coalition D&O Insurance](https://spot.insure/compare/cna-vs-coalition/directors-officers) - [CNA vs Coalition Employment Practices Liability Insurance](https://spot.insure/compare/cna-vs-coalition/employment-practices) - [CNA vs Coalition Fiduciary Liability Insurance](https://spot.insure/compare/cna-vs-coalition/fiduciary) - [CNA vs Coalition Professional Liability (E&O) Insurance](https://spot.insure/compare/cna-vs-coalition/professional-errors-omissions) - [CNA vs Coalition Tech E&O Insurance](https://spot.insure/compare/cna-vs-coalition/technology-errors-omissions) - [AIG vs CNA Cyber Insurance](https://spot.insure/compare/aig-vs-cna/cyber) - [AIG vs Coalition Cyber Insurance](https://spot.insure/compare/aig-vs-coalition/cyber) - [Alliance Risk vs CNA Cyber Insurance](https://spot.insure/compare/alliance-risk-vs-cna/cyber) - [Alliance Risk vs Coalition Cyber Insurance](https://spot.insure/compare/alliance-risk-vs-coalition/cyber) - [Amelia Risk vs CNA Cyber Insurance](https://spot.insure/compare/amelia-risk-vs-cna/cyber) - [Amelia Risk vs Coalition Cyber Insurance](https://spot.insure/compare/amelia-risk-vs-coalition/cyber) ## Sources for CNA vs Coalition Cyber Insurance ### Sources About CNA 1. [Insurance for Small Businesses](https://www.cna.com/solutions/small-business). CNA; Insurance for Small Businesses, lines 38-50 and 65-67 (CNA Central and agent route); lines 79-106 (product and stated appetite lists); page footer line 132 (CNA registered service mark).. Accessed 2026-09-28. 2. [CNA Connect Small Businessowners Policy (BOP) | CNA Insurance](https://www.cna.com/products/cna-connect). CNA; CNA Connect; coverages, product range, services. Accessed 2026-09-28. 3. [General Disclaimer](https://www.cna.com/cnadisclaimer/generaldisclaimer). CNA; General Disclaimer paragraphs 1 and 5 (HTML lines 24 and 28): CNA describes Continental Casualty Company and its relevant affiliates; references to CNA may include one or more CCC affiliates; each particular policy/product/service is the responsibility only of the specific CNA company that issues or supplies it. Footer line 57 identifies CNA Financial Corporation as trademark registrant. Re-read 2026-09-29.. Accessed 2026-09-29. 4. [Cyber Insurance - Cyber Risk Solutions | CNA Insurance](https://www.cna.com/products/cyber). CNA; Cyber, Media, Technology & Professional Liability; product sections. Accessed 2026-09-28. ### Sources About Coalition 5. [Coalition Control](https://www.coalitioninc.com/control). Coalition; Policyholder Features: attack surface monitoring, Login Security, Cyber Health Rating, third-party risk management, zero-day alerts. Accessed 2026-09-23. 6. [Tech E&O Insurance Coverage](https://www.coalitioninc.com/technology-errors-and-omissions-insurance). Coalition; Who needs Technology Errors & Omissions coverage? (organizations that provide a technology product or service for a fee); Combine Technology Errors & Omissions coverage with Active Cyber Insurance; Coalition Advantage. Accessed 2026-09-16. 7. [How do I qualify for and buy cyber insurance from Coalition?](https://help.coalitioninc.com/hc/en-us/articles/7608339418395-How-do-I-qualify-for-and-buy-cyber-insurance-from-Coalition). Coalition; Eligibility; broker contact; underwriting paragraphs. Accessed 2026-09-16. 8. [U.S. Producer Compensation](https://www.coalitioninc.com/legal/producer-compensation). Coalition; Insurance Producers; Base Commission; Contingent Commission; Business Production Incentive Programs; Non-Insurance Products. Accessed 2026-09-16. 9. [Active Cyber Insurance](https://www.coalitioninc.com/cyber-insurance). Coalition; Cyber coverage tailored to your organization’s cyber risk needs: separate limit for breach response, pay-on-behalf for cyber extortion, funds transfer fraud recovery, business interruption; Our Claims Approach; Coalition Incident Response. Accessed 2026-09-23. 10. [U.S. Disclaimers](https://www.coalitioninc.com/legal/disclaimer). Coalition; Non-Admitted Cyber; Admitted Cyber; Admitted and Non-admitted Cyber. Accessed 2026-09-16. 11. [Where does Coalition offer cyber insurance coverage?](https://help.coalitioninc.com/hc/en-us/articles/7520450985883-Where-does-Coalition-offer-cyber-insurance-coverage). Coalition; United States. Accessed 2026-09-16. 12. [Does Coalition offer Excess coverage?](https://help.coalitioninc.com/hc/en-us/articles/13436025921051-Does-Coalition-offer-Excess-coverage). Coalition; What excess products does Coalition offer, and in what regions?. Accessed 2026-09-16. ### Sources for the Cyber Insurance Guide 13. [Cyber Insurance](https://www.ftc.gov/business-guidance/small-businesses/cybersecurity/cyber-insurance). Federal Trade Commission; Opening; First-Party and Third-Party Coverage; First-Party Coverage; Third-Party Coverage; What Should Your Cyber Insurance Policy Cover. Accessed 2026-09-16. 14. [CyberEdge specimen policy](https://www.aig.com/content/dam/aig/america-canada/us/documents/business/cyber/cyberedge-wording-sample-specimen-form.pdf). AIG; General Terms §§4–6, PDF pp.3–6; Security and Privacy §1 p.11, §2(l)/(p) p.14, §3 pp.15–18, exclusions p.18; Event Management §1 and §2(h), PDF pp.19–20. Accessed 2026-09-16. Updated 2026-10-01. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. The comparison applies the same criteria to both providers. [Editorial policy](https://spot.insure/editorial-policy). To suggest a correction, [contact Spot](https://spot.insure/contact) with the page URL and supporting source. ## CNA Review Scores for 2026 Review Score: 9.0 / 10 from 1 rated source, equally weighted. Customer feedback on CNA is mixed and hard to compare. NerdWallet gave it 4.5 out of 5 for manufacturers, while Trustpilot shows about 1.4 out of 5 from 49 mostly self-selected reviews. - NerdWallet: NerdWallet editorial rating for manufacturers 4.5/5 (Editorial rating). NerdWallet editorial assessment of CNA for U.S. manufacturers, not consumer average. Period: Published 2026-03-26. Checked 2026-09-29. [Best Insurance for Manufacturers in 2026](https://www.nerdwallet.com/business/insurance/learn/manufacturers) - Trustpilot: Displayed Trustpilot TrustScore 1.4/5 page text; 1.5/5 badge (TrustScore out of 5); 49 reviews. CNA.com profile, mixed business and consumer/LTC reports; self-selected, not representative commercial P&C sample. Period: 14 reviews in prior 12 months; 2026-09-29. Checked 2026-09-29. [CNA customer reviews](https://www.trustpilot.com/review/www.cna.com) - BBB: BBB customer-review average 1/5 (BBB star rating); 6 reviews. Long Term Care Insurance profile covering headquarters/corporate locations; not commercial P&C; six self-selected reviews. Period: Displayed 2026-09-29. Checked 2026-09-29. [CNA Financial Corporation customer reviews](https://www.bbb.org/us/il/chicago/profile/long-term-care-insurance/cna-financial-corporation-0683-90032439/customer-reviews) Reviewed 2026-09-29. [Read the sourced review](https://spot.insure/insurance-providers/cna/reviews). ## Coalition Review Scores for 2026 Review Score: 10.0 / 10 from 1 rated source, equally weighted. Coalition has a BBB A+ grade. The reviewed independent sources did not establish a customer-star rating; the displayed RaveCapture collection is broker-focused. Its Trustpilot page has no reviews, and its best-looking rating comes from a review page the company arranges for brokers. - BBB: BBB business grade A+. Coalition (BBB profile, San Francisco, CA); business grade, separate from customer-review stars. Checked 2026-09-29. [Coalition - BBB profile (San Francisco)](https://www.bbb.org/us/ca/san-francisco/profile/cyber-security/coalition-1116-956032); [Search: "Coalition" site:bbb.org insurance reviews ratings](https://www.google.com/search?q=%22Coalition%22+site%3Abbb.org+reviews+OR+complaints) - RaveCapture: Broker review rating 5 (out of 5); 188 reviews. Verified broker and policyholder reviews of Coalition, collected through a third-party review-collection service. Checked 2026-09-29. [Coalition, Inc.: Broker Reviews](https://app.ravecapture.com/store/Coalition-inc-broker-reviews) - BizInsuranceCompare: Editorial score 7.7 (out of 10). Independent small-business insurance comparison site editorial score; publisher-defined methodology. Checked 2026-09-29. [Coalition review: small business insurance](https://www.bizinsurancecompare.com/carriers/coalition) Reviewed 2026-09-29. [Read the sourced review](https://spot.insure/insurance-providers/coalition/reviews). ## Agent and Developer Resources - [Markdown page](https://spot.insure/compare/cna-vs-coalition/cyber.md) - [Developer resources](https://spot.insure/developers) - [Public MCP server](https://spot.insure/mcp) - [MCP server manifest](https://spot.insure/server.json) - [OpenAPI description](https://spot.insure/openapi.json) - [Public page index](https://spot.insure/llms.txt)